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Introduction to Baccarat: A Beginner’s Guide to the Rules

Baccarat, a game of elegance and intrigue, has captivated casino enthusiasts for centuries. Its straightforward rules make it an excellent choice for beginners and experienced players alike. This ultimate beginner’s guide will help you understand Baccarat rules, learn how to play, and provide tips to increase your chances of winning.

Understanding Baccarat Rules

Objective of the Game The primary goal in Baccarat is to bet on which hand, the Player’s or the Banker’s, will have a higher total value, closest to 9. Alternatively, you can bet on a tie, where both hands have the same value.

Card Values

  • Number Cards (2-9): Worth their face value.
  • Aces: Worth 1 point.
  • 10s and Face Cards (King, Queen, Jack): Worth 0 points.

The Deal In Baccarat, two hands are dealt: one for the Player and one for the Banker. Each hand starts with two cards. Unlike many other card games, players don’t receive individual hands; instead, they bet on which of the two hands will win.

Scoring in Baccarat To determine the value of each hand, add the points of its two cards together. If the total exceeds 9, only the second digit is counted. For example:

  • A hand with a 7 and an 8 totals 15 but is worth 5 points.
  • A hand with a 3 and a 4 totals 7 points.

The best possible hand value is 9, known as a “natural.”

Winning in Baccarat

  • Player Bet: Wins if the Player’s hand is closer to 9.
  • Banker Bet: Wins if the Banker’s hand is closer to 9.
  • Tie Bet: Wins if both hands have the same total.


  • Player Bet: Pays 1:1.
  • Banker Bet: Pays 1:1 minus a 5% commission.
  • Tie Bet: Pays 8:1 or 9:1, depending on the casino.

Baccarat Drawing Rules

The rules for drawing additional cards are automatic:

  • Natural Win: If either the Player or Banker has a total of 8 or 9, no more cards are drawn.
  • Player’s Third Card Rule: If the Player’s total is 5 or less, they draw a third card. If the total is 6 or 7, they stand.
  • Banker’s Third Card Rule: The Banker’s actions depend on their total and the Player’s third card:
    • Banker stands on totals of 7, 8, or 9.
    • Banker draws on totals of 0, 1, or 2.
    • For totals of 3-6, the Banker’s action depends on the Player’s third card.

Baccarat Betting Tips for Beginners

  1. Bet on the Banker: The Banker bet has a slightly better probability of winning, making it the safest bet with a house edge of about 1.06%.
  2. Avoid the Tie Bet: Despite the high payout, the Tie bet has a high house edge (over 14%) and is the riskiest bet.
  3. Manage Your Bankroll: Set a budget for your gaming session and stick to it. Baccarat can be fast-paced, so it’s important to manage your money wisely.
  4. Understand the Rules: Familiarize yourself with the drawing rules and card values. Knowledge is power in Baccarat.
  5. Practice Online: Many online casinos offer free Baccarat games. Use these to practice and get comfortable with the game before betting real money.

Common Baccarat Mistakes to Avoid

  • Chasing Losses: It’s easy to get caught up in the excitement, but chasing losses can lead to bigger losses. Set limits and know when to walk away.
  • Ignoring the Odds: Understanding the house edge and odds can help you make better betting decisions.
  • Betting on Superstitions: Baccarat is a game of chance. Stick to logical betting strategies rather than relying on hunches or superstitions.


Baccarat is a game that combines simplicity with excitement, making it perfect for both beginners and seasoned gamblers. By understanding the basic rules, familiarizing yourself with the drawing rules, and following strategic tips, you can enjoy Baccarat and potentially increase your chances of winning. Remember, the key to success in any casino game is to play responsibly and have fun. Dive into the world of Baccarat today and experience the thrill of this classic casino game!

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